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Home > Global Insurance Companies > IMG Global > Global Fusion Health Insurance

IMG GlobalFusion Insurance Plan

IMG Europe GlobalFusionThe GlobalFusion plan is a long-term, annually renewable, international private medical insurance plan designed for people living or working abroad. The international private medical insurance GlobalFusion plan is a flexible and understandable medical plan for expatriates, individuals, and families.

An Overview of the IMG GlobalFusion Plan

  • Flexible, comprehensive medical cover
  • Cover for Individuals, Families, and Groups
  • Three unique sub-plan designs - Bronze, Silver, and Gold Plus
  • Optional add-on coverages
  • Choose your area of coverage (Europe, worldwide, or worldwide excluding the USA, Canada, China, Hong Kong, Macau, Japan, Singapore, and Taiwan)
  • Choice of premium installment payment/currency options
  • Multiple underwriting options to fit your needs
  • Freedom to choose your provider
  • Access to two extensive provider networks
  • Emergency Medical Evacuation and other evacuation benefits
  • Medical Concierge Program within the USA
  • 24-hour access to assistance and medical professionals
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Why Choose IMG Europe's Global Fusion Insurance?

IMG is an experienced company that works closely with clients worldwide and understands the intricacies of global healthcare delivery. And as a global citizen, you and your family need to select the comprehensive international medical insurance that meets your demands.

Anything can happen while living away from home, and it is essential to be prepared for any unexpected illness, injury, or medical emergency. IMG ensures the highest quality and most cost-effective insurance plans.

Coverage Options for the Global Fusion Medical Insurance Plan

  • Financial Stability provided by A-rated Sirius International Insurance Corporation, which insures and fully underwrites the policy
  • Three plan options designed to meet a wide range of budgets: Bronze / Silver / Gold Plus
  • Family covers include free coverage for two children under age 10 for the first year when both parents are insured and 50% off published rate on the first renewal
  • Medical excess from Nil to $10,000 / €6,700 / £5,500 to suit your budget
  • Choice of payment frequency if paying by Visa, MasterCard or American Express. You can choose to pay in USD, Euro, or GBP
  • Choice of underwriting terms- Full Medical Underwriting or Moratorium (up to 64 years of age)
  • You can create an entry-level, in-patient-based plan, or up to a superior benefit plan
  • Ability to seek eligible treatment with any doctor or hospital within the geographical area of cover, including home country
  • Worldwide Accident and Emergency out of area of cover
  • State Hospital Cash Benefit available on all plans
  • 30-Day Money-Back 'No Hassle' Guarantee

Three Plan Designs to Meet Your Needs and Budget

  • Bronze plan: The most affordable plan designed for healthy younger adults who are seeking coverage for their most essential needs.
  • Silver plan: Medical coverage for the budget-conscious consumer and those planning to receive their care in countries with a lower medical cost. Silver offers a wide range of scheduled benefits equipped to meet your essential needs.
  • Gold Plus plan option — a comprehensive major medical plan designed for people who need long-term coverage. Benefit levels continue beyond year three as long as the coverage remains in effect.
  • Optional Riders — The Gold Plus option plan offers additional, optional coverages.
    • Sports Coverage (Gold Plus), including Extreme and Amateur Sports
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GlobalFusion Schedule of Benefits

Lifetime Maximum Limit Per Individual Insured Person
BronzeSilverGold Plus
Lifetime Maximum Limit Per Individual Insured Person$2,500,000 / £1,375,000 / €1,675,000$5,000,000 / £2,750,000 / €3,350,000$5,000,000 / £2,750,000 / €3,350,000
A. In-Patient & Day-Patient Treatment
BronzeSilverGold Plus
Surgery, Surgeons, Consultants, Second Surgical Opinion, Medical Practitioners, Nurses, Treatment, Services and Supplies routinely provided and Ancillary ChargesFull CoverFull CoverFull Cover
Hospitalisation/Room & BoardFull CoverUp to $600 / £350 /€400 per day 240 day MaximumFull Cover
Intensive Care UnitFull CoverUp to $1,500 / £850 / €1,000 per day – 180 day per eventFull Cover
Anaesthetist’s Charges associated with SurgeryFull Cover20% of Surgery BenefitFull Cover
Diagnostic Tests and Procedures, X-Rays, Pathology, & MRI/CT ScansFull CoverFull CoverFull Cover
Prescribed Drugs, Dressings and Durable Medical EquipmentFull CoverFull CoverFull Cover
Reconstructive Surgery-following an accident or following surgery for an eligible conditionFull CoverFull CoverFull Cover
Cancer Tests, Drugs, Treatment and Consultants, including cover for Chemotherapy and RadiotherapyFull CoverFull CoverFull Cover
PhysiotherapyFull CoverFull CoverFull Cover
Parental Hospital AccommodationFull CoverFull CoverFull Cover
Prosthetic DevicesFull CoverFull CoverFull Cover
Transplants$250,000 / £137,500 / €167,500 Per Transplant$250,000 / £137,500 / €167,500 Per Transplant$1,000,000 / £550,000 / €670,000 Lifetime Limit
State Hospital Cash Benefit$300 / £165 / €200 Per Night 60 nights$300 / £165 / €200 Per Night 60 nights$300 / £165 / €200 Per Night 60 nights
Terrorism Coverage$10,000 / £5,500 / €6,700 Lifetime Limit$10,000 / £5,500 / €6,700 Lifetime Limit$10,000 / £5,500 / €6,700 Lifetime Limit
B. Out-Patient Treatment, Wellness Benefits and Other Coverages
BronzeSilverGold Plus
Out-Patient including: Family Doctor, Treatment and Referrals, Specialists and Consultants, X-Rays, Pathology, Diagnostic Tests and Procedures
*not dependent upon admission

No Family Doctor Cover

Specialists & Consultants:
Up to $500 / £275 / €335 Prior to admission*, then

up to $500 / £275 / €335

following related Out-Patient Surgery or In-Patient/Day-Patient treatment: for 90 days after leaving hospital

Including Pre* & Post Hospital: $250 / £140 / €170 X-Ray per Examination Maximum Limit;

$300 / £165 / €200 Lab Tests per Examination Maximum Limit

FULL COVER Except: $150 / £85 / €100 Physician Charges Maximum per Visit;
Hospital Charge $100 / £55 / €67 Co-Pay unless admitted;
Urgent Care Facility - $25 / £15 / €20 Co-Pay;
Diagnostic Lab and X-Rays limited to $5,000 / £2,750 / €3,350 per Period of Insurance
Full Cover
Emergency Room Illness, Waived if admitted as an In-Patient or Day-Patient (Additional $250/£138/€168 Excess if not admitted)No CoverFull CoverFull Cover
Emergency Room AccidentNo CoverFull CoverFull Cover
Supplemental Accident BenefitNo CoverNo Cover$300 / £165 / €200 per covered accident
Out-Patient SurgeryFull CoverFull CoverFull Cover
MRI, CAT Scan Echocardiography, Endoscopy, Gastroscopy Colonoscopy, Cystoscopy$600 / £330 /€400 Maximum Per Examination$600 / £330 /€400 Maximum Per ExaminationFull Cover
Cancer Tests, Drugs, Treatment and Consultants, including cover for Chemotherapy and RadiotherapyFull CoverFull CoverFull Cover
Prescribed Out-Patient Drugs, Medicines, Dressings and Durable Medical EquipmentUp to $600 / £330 /€400
Following and in relation to In-Patient/Day-Patient Treatment or Out-Patient Surgery: for 90 days after leaving hospital
Full CoverFull Cover
Physiotherapy, Homeopathic, Chiropractic Therapy and Osteopathic TherapyPhysiotherapy Only: Relating to In-Patient/Day-Patient Treatment, Out-Patient Surgery
Up to $40 / £25 / €30 per visit
10 visit Maximum: for 90 days after leaving hospital
Up to $40 / £25 / €30 per visit
30 visit Maximum
Maximum of 1 visit per day
45 visit maximum
Up to $4,000 / £2,500 / €3,000 per Period of Insurance
Complementary Medicine Acupuncture, Aroma Therapy, Herbal Therapy, Magnetic Therapy, Massage Therapy, Vitamin Therapy, Traditional Chinese MedicineNo CoverNo CoverUp to $200 / £110 / €135
AIDS/HIV TreatmentNo CoverNo CoverUp to $5,000 / £2,750 / €3,350 per Period of Insurance $50,000 / £27,500 / €33,500 Lifetime Limit
Home Nursing Care30 Days Limit: Up to $150 / £85/ €100 per visit30 Days Limit: Up to $150 / £85/ €100 per visit45 Days Limit: Up to $150 / £85/ €100 per visit
RehabilitationNo CoverNo CoverFull Cover Up to 90 Days
Hospice CareNo CoverNo CoverFull Cover Up to 180 Days
Adult Wellness and Health Check
- includes Hearing Test, Sight Test and Vaccinations/Inoculations (Not subject to Annual Excess or Co-Insurance)
- After 12 months continuous coverage
No CoverNo CoverUp to $250 / £140 / €170
Child Wellness and Health Check (Under 18 years of age)
- includes Hearing Test, Sight Test and Vaccinations/Inoculations
(Not subject to Annual Excess or Co-Insurance)
- After 12 months continuous coverage
No Cover3 visits per Period of Insurance Up to $70 / £40 / €50 per visitUp to $200 /£110 / €135
Pre-Existing Conditions
-Underwriting/Coverage Options
Full Medical Underwriting Option:
- After 24 months continuous cover
- Declared and Accepted conditions (unless otherwise excluded or terms applied as indicated otherwise in writing)
- Flexible Underwriting Option available - Endorsement issued if applicable.
No CoverUp to $5,000 / £2,750 / €3,350 $50,000 / £27,500 / €33,500 Lifetime LimitUp to $5,000 / £2,750 / €3,350 $50,000 / £27,500 / €33,500 Lifetime Limit
Moratorium Enrolment & Underwriting Option
- After 24 months continuous coverage: subject to 24 months without treatment, symptoms, medication or consultation
- Available to insureds up to age 64
No CoverFull CoverFull Cover
Newly Diagnosed Chronic ConditionsCoveredCoveredCovered
Mental/Nervous - After 12 months continuous coverageNo CoverOut-Patient OnlyUp to $10,000 / £5,500 / €6,700
$50,000 / £27,500 / €33,500 Lifetime Limit
C. Travel, Transportation and Out Of Area Benefits
BronzeSilverGold Plus
Emergency Local AmbulanceUp to $1,500 /£825 / €1000 per event Not subject to Annual Excess or Co-InsuranceUp to $1,500 /£825 / €1000 per event Not subject to Annual Excess or Co-InsuranceFull Cover
Emergency Evacuation and Transportation To the Nearest Suitable Hospital FacilityUp to $50,000 / £27,500 / €33,500 Not subject to Annual Excess or Co-InsuranceUp to $50,000 / £27,500 / €33,500 Not subject to Annual Excess or Co-InsuranceFULL COVER Not subject to Annual Excess or Co-Insurance
Accompanying Relative, Travel and AccommodationNo CoverNo Cover$10,000 / £5,500 / €6,700 Lifetime Limit
Cremation/Burial or Return of Mortal Remains$10,000 / £5,500 / €6,700 Lifetime Limit Not subject to Annual Excess or Co-Insurance$25,000 / £13,750 / €16,750 Lifetime Limit Not subject to Annual Excess or Co-Insurance$25,000 / £13,750 / €16,750 Lifetime Limit Not subject to Annual Excess or Co-Insurance
Worldwide Accident & Emergency Out of Area Coverage (USA Treatment Must Be within PPO Network)15 Days Maximum30 Days Maximum30 Days Maximum
D. Dental Treatment & Vision Care Benefits
BronzeSilverGold Plus
Emergency Dental Due to AccidentUp to $1,000 / £550 / €670Up to $1,000 / £550 / €670Full Cover
Emergency Dental due to Sudden Unexpected Pain To Sound Natural TeethNo CoverNo CoverUp to $100 / £55 / €70
Emergency Dental Due to AccidentFull CoverFull CoverFull Cover
Emergency Dental due to Sudden Unexpected Pain To Sound Natural TeethUp to $100 / £55 / €70Up to $100 / £55 / €70Up to $100 / £55 / €70
Non-Emergency Dental Sections D3, D4 & D5 Combined: i) Calendar Year Maximum Sum Insured ii) Dental Annual Excess iii) Maximum Annual Excesses per Family per Calendar Year - After 6 months continuous coveri) $750 /£425 /€500;
ii) $50 / £30 / €35
iii) 2
i) $750 /£425 /€500;
ii) $50 / £30 / €35
iii) 2
i) $750 /£425 /€500;
ii) $50 / £30 / €35
iii) 2
Class I Treatment:
- Preventative & Diagnostic - Emergency Palliative Treatment - includes up to two dental check ups per calendar year to include scraping, cleaning and polishing - After 6 months continuous cover *Refer To Policy Wording for Full Details & Listing
90% Coverage, Dental Annual Excess Waived90% Coverage, Dental Annual Excess Waived90% Coverage, Dental Annual Excess Waived
Class I Treatment:
- Preventative & Diagnostic - Emergency Palliative Treatment - includes up to two dental check ups per calendar year to include scraping, cleaning and polishing - After 6 months continuous cover
90% Coverage, Dental Annual Excess Waived90% Coverage, Dental Annual Excess Waived90% Coverage, Dental Annual Excess Waived
Class II Treatment:
- Radiographs & X-Rays - Oral Surgery & Extractions - Routine Compound Fillings, Restorations, Re-cementing crowns, inlays and bridges & Prosthetic Repairs - Endodontics & Root Canals - Periodontics & Gum Disease - Minor Restorative Services - After 6 months continuous cover
70% Coverage, after Dental Annual Excess70% Coverage, after Dental Annual Excess70% Coverage, after Dental Annual Excess
Class III Treatment: - Prosthodontic Services including: appliances, bridges, full and partial dentures that replace missing natural teeth that were extracted while the person is covered with this Plan. - Major Restorative Treatment including: Crowns, Jackets, gold-related services required when teeth can not be restored using other filling material. - After 6 months continuous cover50% Coverage, after Dental Annual Excess50% Coverage, after Dental Annual Excess50% Coverage, after Dental Annual Excess
Vision Care
Not subject to Annual Excess or Co-Insurance
(Benefit payable per 24 months)
Exams – up to $100 / £55 / €70
Materials – up to $150 / £85 / €100
Exams – up to $100 / £55 / €70
Materials – up to $150 / £85 / €100
Exams – up to $100 / £55 / €70
Materials – up to $150 / £85 / €100
E. Additional Benefits & Services
BronzeSilverGold Plus
Recreational ScubaNo CoverNo CoverFull Cover
24 Hour Emergency HelplineIncludedIncludedIncluded
F. Maternity
BronzeSilverGold Plus
Maternity - Only available to Female Insureds - After 10 months of continuous cover
*All benefits reduced by 50% for births occurring in the 11th or 12th month of continuous coverage
Optional Add-On Coverage
Additional Premium Applies*
Optional Add-On Coverage
Additional Premium Applies*
Optional Add-On Coverage
Additional Premium Applies*
Normal Delivery - Including Premature Birth Treatment, Pre, Post and Routine Natal Care*Up to $5000 / £2750 /€3350*Up to $5000 / £2750 /€3350*Up to $5000 / £2750 /€3350
C-Section*Up to $7500 / £4125 / €5025*Up to $7500 / £4125 / €5025*Up to $7500 / £4125 / €5025
New Born Baby Wellness
- Not subject to Annual or Annual Maternity Excess or Co-Insurance
- for the first 12 months of life
$200 /£110 / €134$200 /£110 / €134$200 /£110 / €134
Cover for New Borns including non-hereditary birth defects and congenital abnormalities*Up to $250,000 / £137,500 / €167,500 for the first 31 days*Up to $250,000 / £137,500 / €167,500 for the first 31 days*Up to $250,000 / £137,500 / €167,500 for the first 31 days
Optional Add-On Coverages
(Upon selection at initial Application and subject to additional premium)BronzeSilverGold Plus
Sports Coverage* Coverage Add-On
i) Listed Extreme Sports
ii) Amateur Sports *Non-Professional
(Gold Plus Plan Only)
Not ApplicableNot Applicablei) $25,000 / £13,750 / €16,750 Lifetime Limits
ii) $10,000 / £5,500 / €6,700 Lifetime Limit
Annual Excess and Co-Insurance
BronzeSilverGold Plus
Annual Excess Options
- Per Insured Person, Per Period of Insurancen
Nil $250 to $10,000 / £138 to £5,500 / €168 to €6,700
50% waived (up to a maximum reduction of $2,500 / £1,375 / €1,675) for: USA PPO Out-Patient & Emergency In-Patient Treatment & Non-Emergency In-Patient USA Medical Concierge Provider Treatment
Nil $250 to $10,000 / £138 to £5,500 / €168 to €6,700
50% waived (up to a maximum reduction of $2,500 / £1,375 / €1,675) for: USA PPO Out-Patient & Emergency In-Patient Treatment & Non-Emergency In-Patient USA Medical Concierge Provider Treatment
Nil $250 to $10,000 / £138 to £5,500 / €168 to €6,700
50% waived (up to a maximum reduction of $2,500 / £1,375 / €1,675) for: USA PPO Out-Patient & Emergency In-Patient Treatment & Non-Emergency In-Patient USA Medical Concierge Provider Treatment
Family Maximum Annual Excesses3 x Individual Annual Excess3 x Individual Annual Excess3 x Individual Annual Excess
Annual Excess Carry Forward - If prior Annual Excess not met, then last 30 days Expenses from the previous Period of Insurance are carried forward and applied towards satisfying the Annual Excess for the next Period of InsuranceYESYESYES
Co-Insurance within the USA & Canada PPO NetworkNo Co-InsuranceNo Co-InsuranceNo Co-Insurance
Co-Insurance outside the USA & CanadaNo Co-InsuranceNo Co-InsuranceNo Co-Insurance
Co-Insurance Payable by Insured inside the USA & Canada
– When treatment is taken outside the USA & Canada PPO Network*
– (*No Co-Insurance for Non-Emergency In-Patient Treatment when utilising a USA Medical Concierge Provider)
20% of the next $5,000 / £2,750 / €3,350 / eligible expenses after the Annual Excess, then No Co-Insurance to the overall maximum per Period of Insurance20% of the next $5,000 / £2,750 / €3,350 / eligible expenses after the Annual Excess, then No Co-Insurance to the overall maximum per Period of Insurance20% of the next $5,000 / £2,750 / €3,350 / eligible expenses after the Annual Excess, then No Co-Insurance to the overall maximum per Period of Insurance
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Who is Eligible to Apply for Global Fusion?

The IMG GlobalFusion Medical Plan is available to U.S. citizens and Non-U.S. citizens from 14 days up to 74 years of age. Your GlobalFusion plan will automatically terminate upon your 75th birthday. If you are enrolled in the GlobalFusion plan by your 65th birthday and maintain continuous cover to age 75, lifetime medical cover is available.

Application Criteria

Individuals and families looking for coverage must complete the information required in the application, and all individuals applying must be listed on the initial Application Form.

What other eligibility criteria are there?

This plan is available to individuals and families of all nationalities. U.S. citizens must reside abroad or plan to leave the U.S. on their effective date and intend to live overseas for at least six of the next twelve months. Non-US citizens may reside anywhere in the world, including their home country, although certain eligibility restrictions may apply in respect of cover in the U.S.

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How Much Does an IMG GlobalFusion Plan Cost?

The best way to determine your IMG GlobalFusion International Health Insurance Plan cost is to contact one of our agents to request a quote. GlobalFusion health insurance plan premiums can vary greatly based on which plan you choose and your area of cover. Below are some examples of common, real-life scenarios we and our customers encounter.

Sample Rates for GlobalFusion Plans

student studying abroad internationally
UK couple with their child living abroad
retired couple living abroad

Who: A 25-year-old from Canada teaching English in Colombia.
Plan:  IMG GlobalFusion Bronze Plan, excluding US coverage.
Cost: $90 per month

Who: UK couple in their early 30s with a 2-year-old son living and working in UAE.
Plan: IMG GlobalFusion Gold Plus Plan, excluding US coverage.
Cost: $605 per month

Who: A retired couple from the US, both 65, residing in Costa Rica.
Plan: IMG GlobalFusion Silver Plan, including US coverage.
Cost: $2,659 per month

*Cost estimates based on $250 deductible

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IMG GlobalFusion Medical Insurance FAQs

Can I renew the GlobalFusion Medical Insurance coverage each year?

Subject to the terms of the plan, GlobalFusion is annually renewable, and the cover is continuous when renewed. Before the end of each Period of Insurance (12 months), you will receive renewal information. You must continue to meet the eligibility requirements outlined above to renew. You have the option to renew online, or you may complete a paper renewal form. There are no additional medical questions at renewal.

Your renewal premium is based upon a category applicable to you. This takes into account varying factors including, but not limited to, your year of inception, age, sub-plan, area of cover, annual excess, citizenship, discounts or loadings based on both claims history and pooled community claims data as well as medical inflation. Additionally, we can work with you to provide flexible renewal options. Please select your annual excess carefully, as you will be unable to choose a lower yearly excess when you renew your cover.

Is lifetime cover available under GlobalFusion?

Your GlobalFusion plan will automatically terminate upon your 75th birthday. If you are enrolled in the GlobalFusion plan by your 65th birthday and maintain continuous cover to age 75, lifetime medical cover is available. Before your 75th birthday, you will receive a summary of benefits for continuing coverage under a new plan from one of our senior citizen plans, and an enrolment form for cover. There is no additional medical underwriting. You merely need to review the benefits, and complete and return the enrolment form with your premium.

What cover is available for Pre-Existing Medical Conditions?

After the cover has been in effect for 24 continuous months under a GlobalFusion Silver, Gold and Gold Plus medical option plan, an Insured Person is provided with the cover up to the annual and lifetime limits (relevant to his or her chosen sub-plan) for eligible declared and accepted pre-existing medical conditions*. Platinum has no requirement for 24 months continuous cover and has full cover.

Please note that no cover exists for pre-existing medical conditions under the Bronze medical option plan.

This benefit is payable whether or not you have received consultation or treatment for the condition(s) during the 24 month period. This is important because very few pre-existing conditions remain free from consultation or treatment, and therefore do not typically qualify for any cover at all under most other companies' standard policies.
If you fully disclose a pre-existing medical condition at the time of application, and we accept you into the GlobalFusion plan, you will be covered for eligible charges subject to the limits and terms** of the plan.

Flexible underwriting option available- endorsement issued if applicable.

*Subject to the terms and conditions of the Policy Wording
**See your Policy Wording for a definition of “pre-existing conditions” and a complete list of exclusions and limitations and other specific terms and conditions.

How do I make a claim?

We will settle your claims efficiently. In most cases, if you are admitted to Hospital, we can arrange to pay the Hospital or medical provider directly. Once your application for your GlobalFusion plan is approved, you will receive a fulfillment kit which includes an IMG Europe identification card and claim forms. When you receive treatment, original itemized bills must be received by IMG Europe within 90 days of services.

Please refer to your Policy Wording and claim form for further claims submission and settlement information.

What is the difference between IMG and IMG Europe?

IMG is the Managing General Underwriter for the international insurance plans sold through the company. IMG is located in Indianapolis, Indiana USA and is also the parent company of IMG Europe Ltd. IMG Europe is located in West Sussex, United Kingdom. IMG Europe is fully authorized and regulated by the UK Financial Services Authority (FSA). For more information on both companies, click on the following links.

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